The Effect of Digital Payment Technology Adoption, Digital Literacy, and Transaction Security on the Qris Usage Decision Among Culinary MSME Operators in Kubu Raya Regency

Dicky Amanta; Lina Budiarti; Heni Safitri

doi:10.55681/economina.v5i9.4001

Authors

Dicky Amanta Universitas Muhammadiyah Pontianak,Pontianak, Indonesia
Lina Budiarti Universitas Muhammadiyah Pontianak,Pontianak, Indonesia
Heni Safitri Universitas Muhammadiyah Pontianak,Pontianak, Indonesia

DOI:

https://doi.org/10.55681/economina.v5i9.4001

Keywords:

Digital Payment Technology Adoption, Digital Literacy, Transaction Security, QRIS Usage Decision, Culinary MSMEs.

Abstract

This study aims to analyze the effects of Digital Payment Technology Adoption, Digital Literacy, and Transaction Security on the QRIS Usage Decision among culinary MSME operators in Kubu Raya Regency. The study employed a quantitative approach with an associative descriptive method. The sample was selected through purposive sampling and comprised 150 respondents who met the research criteria. Primary data were collected using a Likert-scale questionnaire, while secondary data were obtained from documents, government publications, and relevant literature. Data were analyzed using multiple linear regression, the correlation coefficient, the coefficient of determination, the F test, and the t test with the assistance of SPSS. Partially, Digital Payment Technology Adoption, Digital Literacy, and Transaction Security each had a positive and significant effect on the QRIS Usage Decision. Simultaneously, the three variables had a significant effect on the QRIS Usage Decision. The correlation coefficient indicated a strong relationship, while R² showed that the three independent variables explained 53.7% of the variation in the QRIS Usage Decision. Overall, the QRIS Usage Decision among culinary MSME operators in Kubu Raya Regency is influenced by their readiness to adopt digital payment technology, digital literacy capabilities, and confidence in transaction security

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